wealthcare value proposition

MAKE THE MOST OF YOUR LIFE

Presented by:AUDREY WEHR JONES CFP®

What do I get with my PERSONAL WEALTHCARE PLAN?

› Confidence in achieving goals YOU value

› Without UNDUE sacrifice to your lifestyle

› Avoid UNNECESSARY investment risk

Advice to help ensure you experience the dreams of your one and only life.

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Wealthcare is an Easy Process that Puts it All Together

Prioritize Goals

New Goals or Priorities Change

Define Major Life Goals

Ideal & Acceptable GoalsMonitor Progress

Implement Allocation

Recommendation“In Balance”

Comfort & Confidence“Stress Test” Goals

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How is Wealthcare different from traditional financial services?

IF YOU WANT…

Something Easy and Convenient

To Achieve Your Dreams & Goals

To Avoid Unnecessary Investment Risk

To Avoid Unnecessary Lifestyle Sacrifice

To know when FUTURE Markets would Trigger a Problem OR

Opportunity

More choices and better decisions

Comfort that goals can be achieved

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How is Wealthcare different from traditional financial services?

WEALTHCARE DELIVERS…

A Focus on What is Important

Identify Aspirations

Evaluation of only the Risk Necessary for what YOU Value

Solutions based on YOUR Priorities

Forward Looking PROGRESS and Market Trigger Points in Advance

(will I meet my goals?)

Update on demand

Confidence (comfort) calculated, monitored and kept in “balance”

Something Easy and Convenient

To Achieve Your Dreams & Goals

To Avoid Unnecessary Investment Risk

To Avoid Unnecessary Lifestyle Sacrifice

To know when FUTURE Markets would Trigger a Problem OR

Opportunity

More choices and better decisions

Comfort that goals can be achieved

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How is Wealthcare different from traditional financial services?

VERSUS TRADITIONAL FINANCIAL SERVICES THAT…

Are complicated and ask for meaningless details

Compromise your goals to maximize amount invested

Identify maximum risk tolerance…AND Position you to experience it!

Solve for their savings shortfall instead of the best solution for you

Monitor PAST performance

Update annually at best

Confidence completely unknown

A Focus on What is Important

Identify Aspirations

Evaluation of only the Risk Necessary for what YOU Value

Solutions based on YOUR Priorities

Forward Looking PROGRESS and Market Trigger Points in Advance

(will I meet my goals?)

Update on demand

Confidence (comfort) calculated, monitored and kept in “balance”

Something Easy and Convenient

To Achieve Your Dreams & Goals

To Avoid Unnecessary Investment Risk

To Avoid Unnecessary Lifestyle Sacrifice

To know when FUTURE Markets would Trigger a Problem OR

Opportunity

More choices and better decisions

Comfort that goals can be achieved

MEET TOM & KATIEEXAMPLE WEALTHCARE CLIENTS

› Both 58 years old› One son, 19 years old› Combined income: $395,000› Love to travel› Priorities:

› Reduce current savings (to travel more)› Educate son through graduate degree› Retirement Spending› Retirement travel budget (Jamaica!)

› Current assets:› $1,300,000 in taxable savings & investments› $800,000 in Tom’s 401k› $300,000 in Katie’s 401k

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Note: Your age, asset size and goals may be different – it does not matter – the process still applies.

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Range of Ideal and Acceptable GoalsBased on your priorities, your Wealthcare advisor will design a custom

recommendation for your goals and portfolio.

IDEAL ACCEPTABLE

Retirement Age Goal: 58 Tom 65 Tom58 Katie 65 Katie

Retirement Income Goal: $175,000 $160,000

Risk Tolerance Goal: NO RISK -15% Annual Downside

Estate Goal: $2,000,000 $100,000

Education goal for Son : MBA Undergrad

Savings Goal: Reduce by $15,000 Increase by $10,000

Jamaica Trips Goal: $25,000 $10,000

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How does STRESS TESTING work?Central to the Wealthcare system is the COMFORT ZONE Confidence Calculation.

› This analysis simultaneously evaluates your goals, your investment allocation and your assets to determine how confident you can be that your goals will be exceeded.

› The Wealthcare system subjects your goals and investment strategy to this sophisticated ‘stress testing’ process which simulates 1000 market environments, both good and bad. Your Confidence or Comfort is the percentage of the 1000 simulations that exceed your goals.

› For example, if you exceeded your goals in 830 of 1000 tests your confidence is 83%.

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STRESS TESTING

Sacrifice > 90% - OverfundedYou are NEEDLESSLY SACRIFICING your lifestyle. You could take less

investment risk, achieve larger or more goals sooner and still maintain confidence in your financial future.

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STRESS TESTING

Uncertain <75% - UnderfundedThere is too high of a chance you may not exceed your goals. Adjustments need to be made.

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STRESS TESTING

Confidence and Comfort in Balance - FundedA confidence level between 75% and 90% should give you confidence that your goals can be EXCEEDED. This reading indicates a set of goals that is manageable and avoids unnecessary investment risk.

EXAMPLE RECOMMENDATION

IDEAL RECOMMENDED ACCEPTABLERetirement Age: 58 62 – Tom 65

58 62 – Katie 65Retirement Income: $175,000 $175,000 $160,000

Risk Tolerance: NO RISK -7% Annual Downside -15% Annual Downside

Estate: $2,000,000 $500,000 $100,000

Education: MBA MBA Undergrad

Savings: -$15,000 -$10,000 +$10,000

Jamaica Trips: $25,000 $25,000 $10,000

Comfort Level:

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4% 83% 99%Click Image for Sample

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MONITORING PROGRESSWealthcare Status Reports automatically generated every quarter

› Progress toward goals

› Review of upcoming inflows/outflows

Your recommendation is a LIVING, DYNAMIC plan.

THIS IS TRUE WEALTH MANAGEMENT

Click Image for Sample

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Statistically Assess and Identify Market UncertaintyThe Comfort Zone acts as an “Early Warning System” notifying you if you need make adjustments

SUMMARY Wealthcare Benefits:› EASIER

› Achieve goals otherwise ignored

› Avoid unnecessary risk

› Avoid unnecessary lifestyle sacrifice

› Identify problems & opportunities in advance

› More choices and better decisions

› Comfort that goals can be achieved

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THANK YOU

IMPORTANT DISCLOSURES

Examples and concepts used in this presentation are for illustrative, educational purposes and are not a representation or guarantee of specific results for any one specific existing client of Wealthcare Capital Management, Inc. or any of its other DBAs. In addition, Wealthcare Capital Management cannot guarantee any specific financial return results for any client or guarantee a client will in all circumstances of changing personal financial goals and market conditions be able to remain in a client's Wealthcare Plan "Comfort Zone,” as that term is illustrated in this presentation.   Past performance is not a guide to future performance. Illustrative data used in the presentation regarding market, asset class or other investment returns or other investment statistics on exchange-traded funds and mutual funds, including average investor returns, is from sources believed reliable but not verified independently by Wealthcare Capital Management.

To better understand the nature and scope of the advisory services and business practices of Wealthcare Capital Management, Inc. please review our SEC Form ADV Part 2A, which is available at http://www.financeware.com/ruminations/WCMADVII.pdf

U.S. Patent Nos. 6,947,904, 7,562,040, 7,650,303, 7,765,138, and 7,991,675